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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,650 | $96,731-36.3% | $123,973-50.3% | $86,983-29.1% |
| Participation rate | 42.9% | 70.0%-27.2pp | 76.7%-33.8pp | 69.5%-26.7pp |
| Annual return | 11.24% | 17.33%-6.1pp | 388.13%-376.9pp | 25.83%-14.6pp |
| Employer contribution / active EE | $1,134 | $3,297-65.6% | $4,126-72.5% | $2,584-56.1% |
| Participant deferral / active EE | $1,860 | $4,152-55.2% | $5,247-64.6% | $4,194-55.7% |
| Admin fee / account holder | $19,481 | $8,722+123.3% | $11,799+65.1% | $7,856+148.0% |